Home & Lot Rent Pricing FAQ's
Closing costs will always vary by lender. We encourage you to discuss the closing costs charged by the lenders while discussing financing options with them.
Homeownersare responsible for annual property taxes on their home. The land is rented anddoes not carry additional taxes for the resident. Most states requirehomeowners to pay apersonalproperty tax. Please check with yourcommunity team or state regulations as to how property taxes are treated inyour state.
Your monthly payment covers both your home loan (if applicable) and lot rent. Lot rent includes valuable amenities such as high-speed internet, sewer service, valet trash pickup, professional lawn care for your home and community spaces, and full access to the clubhouse, pool, and neighborhood events. Families can also take advantage of on-site after-school care and summer programs for kids.
Amenity packages may vary by community—please connect with our sales team to learn the specific inclusions at your location.
At Civitas, your monthly payment typically combines two parts: your home loan (if applicable) and lot rent for your homesite. Lot rent also gives you access to community amenities such as the pool, clubhouse, playgrounds, and more.
Please note: final monthly payments will vary depending on factors like your credit profile, down payment, lender, and financing terms. Additional expenses such as utilities, insurance, or optional services may not be included.
We encourage you to connect with our sales team for the latest details on available homes, current incentives, and to receive a personalized estimate of your monthly payment.
At Civitas, we offer a wide selection of new homes designed to fit different lifestyles, sizes, and features. Availability varies based on current inventory, and options may include upgraded finishes, flexible floor plans, and modern amenities.
All home pricing and availability are subject to change. For the most accurate details on available homes, current incentives, and customization options, we encourage you to connect with our community sales team.
Financing & Lending FAQ's
To begin the loan applicationprocess and reserve your home site at a Civitas community, you'll need to submit documentation that helps verify your identity, income, and intent to purchase. The specific requirements may vary based on your individual situation and the lender’s criteria, but generally include:
Required Documents:
• ACH Authorization Form or a Cashier’s Check for your lot reservation deposit
• Signed Lender Disclosures (provided by the lender)
• Completed Loan Application
• Signed Lot Reservation Agreement
• A valid government-issued photo ID (Driver’s License)
• Either a Social Security Card or Passport
• If applying with an ITIN: IRS ITIN RegistrationForm
• Most recent two (2) months of bank statements
Income Verification Options (choose one based on your employment type):
Traditional Employment:
• 2023 and 2024 W-2s
• Last 30 days of paystubs
Self-Employed / 1099 Income:
• Six (6) months of bank statements
• Two (2) years of tax returns
Other Sources of Income (ifapplicable):
• Documentation for child support received or paid
• Any other verifiable income source
If a particular item doesn’t apply to your situation, you may skip it — but please note that your lender may request additional documentation during the approval process. Our team is happy to assist you with questions or help you gather what’s needed to move forward confidently.
Yes, some of our lending partners offer financing options for applicants who have an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. While having an ITIN can open the door to potential financing, approval is not guaranteed and depends on the lender’s full review of your application. This includes a credit and background screening, along with verified income and supporting documentation such as tax returns or bank statements. If you’re applying withan ITIN, our team can help walk you through the steps and connect you with lenders experienced in working with ITIN applicants.
Yes, many of our lending partners work with self-employed individuals and accept a variety of income sources, including 1099 income. To be considered for financing, you'll need to provide proof of income, which may include recent bank statements, tax returns, or other documentation that demonstrates consistent earnings. While 1099 income is accepted, final loan approval is not guaranteed and is subject to the lender’s review of your full financial profile, including credit history and background screening. If you're unsure what documents to prepare, our team can help guide you through the application process.
Applicants with low or limited credit history may still be eligible for financing through one of our partner lenders. In many cases, a minimum credit score of 550 is considered, but approval is not guaranteed and is subject to the lender's evaluation of your full application. This includes a credit and background screening, as well as verified income to ensure the applicant meets lending criteria. Every financial situation is unique, and final approval decisions are made by the lender based on a variety of factors. We encourage you to apply and explore your options — our team is happy to guideyou through the process.
Many different financing options are often available to manufactured home buyers, even if you don’t have great credit. Make sure to investigate all options when searching for an affordable manufactured home loan. Options may vary by type of home. We work with several lenders offering chattel loans, down-payment assistance programs, and ITIN financing. Low or no credit options are available.
Frequently Asked Questions
Yes, your dishwasher, refrigerator & amp range are included in your home.
A manufactured home is a factory-built home that can be placed on a piece of land. It is assembled mostly offsite away from the elements prior to moving to the property where they are set up.
Yes! We welcome most dogs and cats with some breed and quantity restrictions. Please refer to the community rules for details on leash requirements and waste cleanup.
The materials used in manufactured home construction are the same as “traditional” or site-built homes. These materials include but are not limited to the following:
- Lumber framing
- Fiberglass insulation
- Electrical wiring
- PVC or chrome plumbing
- Other primary systems within the home
The materials are stored in a factory and used in a temperature-controlled climate. Having materials indoors ensures the quality and lifetime performance of the manufactured home construction materials.
Your porch is included. The carports and storage are not included, but available.
Yes — a manufactured home can hold or even increase in value, just like a site-built home. A factor affecting the value of a manufactured home is the condition of the home & community. Regular upkeep and preventative maintenance can extend the life and increase the value of a manufactured home.
Yes, there is additional storage available upon request.
Yes! You will need to reach out to the property manager for scheduling.
Residents pay for water, electricity, and gas. Sewer, trash, landscaping, internet, and TV are included in the lot rent.
No, RVs, boats, trailers, and inoperable vehicles must be stored off-site or in designated areas with prior approval.
Yes,the community-wide speed limit is 15 mph.
Home-based businesses may be allowed with prior approval but must not generate excessive traffic or disrupt the community.
Amenities may include features such as a clubhouse, resort-style pool, playgrounds, event lawn, walking trails, and regular community events. Many communities also offer free after-school and summer programs for kids.
Please note: amenity offerings vary by location. Contact our sales team to learn what’s available in your community.
Any changes or additions to the exterior of your home— including decks, sheds, painting, landscaping, or other modifications — must receive prior written approval from community management. This ensures consistency, safety, and curb appeal throughout the neighborhood.
- All decks and sheds must be purchased through and installed by the community.
- Painting your home while it is located in the community is not permitted without approval, and only pre-approved exterior paint colors may be used.
- Fences are not permitted in our communities.
Please contact the community office for the most current design guidelines and to submit a request for any exterior modifications before beginning any work.
Your Home. Your Community.
Dedicated to developing neighborhoods that make homeownership attainable—Civitas creates communities designed to foster connections, support one another, and thrive together.
